Lincoln, MT—59639
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Lincoln, MT
As of Oct '25, the median home price in Lincoln, MT is $345,000, with a year-over-year change of 1.0%. This indicates that home prices in Lincoln, MT are flat. According to Zillow, the 1-year price projection is 3.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $345,000 | 1.0% |
| Single Family | $345,000 | 0.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $283,000 | -1.4% |
2 Bed | $331,000 | 0.6% |
3 Bed | $443,000 | 1.1% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Lincoln, MT
Lincoln, MT lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $850 | $850 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $850 | $850 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Lincoln, MT
As of Oct '25, Realtor.com reports that the median days on market for a home in Lincoln, MT is 79. This is a decrease of -23.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $444,000 | -16.0% |
Listing Count | 20 | 7.0% |
| Listings as % of Homes | 0.6% | 7.0% |
Days on Market | 79 | -23.0% |
Demographics — Lincoln, MT
As of the latest ACS Survey released in 2023, Lincoln, MT has a population of 993, which has decreased by -11.2% over the past 5 years. Lincoln, MT is a less popular place for families, as children make up 6.1% of the population. The area has a moderately educated workforce, with 25.7% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 33.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 993 | -11.2% |
% Under 18 | 6.1% | -66.5% |
% Seniors | 31.0% | 36.0% |
% WFH | 33.5% | 157.7% |
% w/ College Degree | 25.7% | 82.3% |
As of the latest ACS Survey released in 2023, Lincoln, MT is a predominantly white area, with 95.0% of the population identifying as white. The white population has grown by 8.4% in the last 5 years. The second most common race or ethnicity in Lincoln, MT is hispanic, making up 2.8% of the population. Foreign-born residents account for 2.2% of the population in Lincoln, MT, and this percentage has increased by 266.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 95.0% | 8.4% |
% Black | 0.0% | N/A |
% Hispanic | 2.8% | -44.0% |
% Asian | 0.2% | ∞% |
% Foreign Born | 2.2% | 266.7% |
Mortgage and Risk — Lincoln, MT
According to HUD data as of 2023, there were 39 mortgage originations in Lincoln, MT, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Lincoln, MT. Investor activity is low, as 0.0% of loans were by investors. 21.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 39 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 0.0% |
% Second Loans | 13.0% |
% Cash Out Refinance | 21.0% |
Loan Activity
Rentals and Section 8 — Lincoln, MT
Lincoln, MT lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 13 |
Total Units Section 8 | 13 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $950 |
| 2 Bedroom | $360 | $850 | $1,210 |
| 3 Bedroom | N/A | N/A | $1,600 |
| 4 Bedroom | N/A | N/A | $1,820 |
Affordability — Lincoln, MT
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 6.7 |
| Median Home Price | $345,000 |
| Median Household Income | $46,300 |